Automated Decision Engine for Process Optimization
Digital end-to-end Mortgage Application with Automated Decision Engine
About the client
Raiffeisen Bausparkasse is a leading Austrian provider of home savings and financing solutions. As part of the Raiffeisen Bank International Group, it offers individuals, families and institutional clients savings and financing products - all supported by modern, digital banking solutions.
We developed a digital end-to-end application journey for mortgage loans with the goal of automating mortgage loan decisions in a highly regulated environment. A central Decision Engine drives faster outcomes, seamless data flows, and a user-friendly application experience.
At a Glance
Objective
Test the viability of a fully digital, automated mortgage application process within a highly regulated banking environment - aligning user needs, advisory integration, and backend feasibility.
Solution
A scalable end-to-end digital application flow powered by a central Decision Engine. It integrates external data providers (property valuation, credit bureau etc.) and internal systems with automated data transfer.
Result
The MVP evolved into a fully operational product now used by real customers. The integrated Decision Engine enables faster processing, automated approvals, and seamless data handling - significantly reducing time-to-yes and improving the overall mortgage application experience for both customers and advisors.
This project began as a strategic minimum viable productinimum viable product to explore how automation could reshape mortgage lending in a highly regulated environment. Together with Raiffeisen Bausparkasse, we built a fully digital, end-to-end application process that balances user needs, advisorne needs regulatory requirements and technical feasibility.
At its core is a robust Decision Engine that integrates with external data providersvaluation for credit bureau check and property valuation, ID services, and the bank’s internal systems. It automates credit checks and ensures that all relevant application data flows directly into the core banking system - creating a truly seamless process from front end to back office.
What started as a prototype is now a live, production-ready solution used by real customers. Thanks to built-in performance tracking, user behavior and system efficiency can be monitored continuously, providing valuable insights into usage patterns and potential areas for future improvement.
Summary
About the project
We built a fully digital mortgage application journey powered by an automated Decision Engine. The system integrates external and internal data sources - enabling faster decisions, seamless processes, and a better experience for both customers and advisors in a regulated environment.
Services provided
Strategy & Business Model Analysis
Potential analysis
Strategic Roadmap
Market analysis
User Profiles & Personas
Customer Experience Mapping
Ideation
Value Proposition Canvas
UI/UX Expert Analysis
Prototyping & Testing
Design of IT Architectures
Agile Product Development
Digitalization of Workflows and Processes
Front-End and Back-End Development
Integration with Existing Systems
IT Consulting
Cloud or On-Premise Hosting
Support to Scale Systems for Future Growth
Performance Measurement
Performance Analysis
Tracking & Analytics
Performance Monitoring
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